• By Raymond Momanyi

The 360° Protection Plan: Your Complete Guide to Motor, Health, and Business Insurance in Kenya

In Kenya’s dynamic environment, risks evolve every day—from navigating traffic on the Woodvale Grove to managing unforeseen challenges within your business. True financial resilience means protecting not just one aspect of your life, but everything you have worked hard to build.

As a trusted insurance intermediary in Westlands, Imana Insurance Agency Ltd offers a full spectrum of solutions. We’ve consolidated the three most critical insurance pillars every individual and business in Kenya needs to master: Motor, Health, and Liability/Business.

Pillar 1: Protecting Your Mobility and Investment - The Motor Insurance Essentials

Motor Insurance is a legal non-negotiable in Kenya, but savvy drivers know it’s about far more than compliance. It’s about protecting your financial assets and mobility.

We help you navigate the different levels of cover to ensure you get the best value:

• Comprehensive Cover: This is the highest level of protection. It covers damage or theft to your own vehicle, plus any damage or injury you might cause to a third party. This is ideal for newer or financed cars.
• Third Party, Fire & Theft (TPFT): This mid-level policy covers third-party liability (required by law) and protects your vehicle specifically against loss or damage due to fire or theft.
• Third Party Only (TPO): This is the minimum required by Kenyan law, covering only the liability for death, bodily injury, or property damage you cause to others. It is only suitable for very old, low-value vehicles.

Driving Across Borders? If your vehicle, particularly commercial trucks, operates in East African countries like Uganda, Tanzania, or Rwanda, you must secure a COMESA Yellow Card. This crucial extension converts your existing policy into mandatory third-party liability cover for the entire COMESA region, ensuring full regional compliance.

Pillar 2: Protecting Your Family & Wealth - The Health & Medical Cover Imperative

Medical bills are one of the single greatest threats to personal savings and business continuity. Health insurance is your most critical financial firewall against unforeseen debt.

We work with you to customize health plans with flexible benefits for every stage of life:

• Individuals and Families: The priority should always be securing robust Inpatient cover, which protects you from the catastrophic costs of hospital stays, surgeries, and intensive care. Outpatient cover can then be added for daily health management, doctor visits, and pharmacy costs.
• Corporate and SME Medical: Offering group medical cover is a powerful tool for employee retention. It ensures your staff have quick access to quality care, which in turn minimizes sick days and maximizes overall productivity.
• Specialized Plans: We also facilitate unique plans, including tailored covers for Senior Citizens, ensuring comprehensive care without unnecessary complications.

Pillar 3: Protecting Your Future - Essential Business & Liability Covers

If you run any form of business or offer professional services, you are exposed to statutory fines and liability claims that can severely impact your operations.

The Legal Mandate: Work Injury Benefits Act (WIBA)

The Work Injury Benefits Act (WIBA) 2007 is absolutely mandatory for every employer in Kenya, even if you employ only one person. It transfers your financial liability to an insurer if any employee suffers injury, contracts a disease, or dies while at work.

Warning: Failure to comply with the WIBA Act can result in fines of up to KES 500,000 and force your business to directly bear the full cost of compensation (up to 96 months’ salary), which could lead to severe financial distress.

Protecting Your Professional Reputation: Professional Indemnity (PI)

This cover is non-negotiable for professionals like consultants, lawyers, architects, and IT firms. Professional Indemnity (PI) insurance protects you against legal claims arising from alleged negligence, errors, or omissions in the service or advice you provide to a client. It pays for defense costs and any resultant court awards, shielding your reputation and assets.

Securing Your Assets: Commercial Covers

In addition to liability, businesses need to safeguard physical assets. Fire and Perils insurance covers your business premises, machinery, and stock against threats like fire, explosion, or other specified disasters.

Secure Your Complete Protection Plan with Imana

Stop wasting time comparing dozens of quotes across different insurance companies. At Imana Insurance Agency Ltd, we simplify the process by acting as your dedicated risk manager. We examine your full risk profile—personal and commercial—and provide a holistic, cost-effective solution.

Your advantages when working with us:

• Risk Auditing: We identify coverage gaps across all your policies.
• Price Comparison: We access and compare quotes from the top insurers for Motor, Medical, WIBA, and all classes of insurance.
• Claims Management: We advocate for you during claims, ensuring fast and fair settlement.

Ready to get compliant and secure your future? Call/WhatsApp Us Today: +254796209402 | +254745218460 | +254113619635
Visit Our Offices: 4th Floor, Krishna Centre, Woodvale Grove. Westlands, Nairobi Kenya
Find Quotes Online: www.imana.co.ke / www.mykava.co.ke